Nerd's Eye View

APRIL 3, 2024

As has been the case for the past several quarters, the prevailing characteristic of the economy is one of bifurcation, with interest rate-sensitive sectors remaining in a recession (as evidenced by the manufacturing sector's 16-month-long contraction), while the services sector (which accounts for nearly 80% of U.S. GDP) continues to expand.

Economics 77

Economics Marketing Valuation Profit and Loss 77

PYMNTS

DECEMBER 22, 2020

This week's look at the convergence of accounts payable and accounts receivable finds tools like commercial cards, trade credit, artificial intelligence and robotics process automation easing friction on both ends of a B2B transactions. said they are focusing their automation investments on AR and AP.

Accounts Payable 79

Accounts Payable B2B Invoicing Accounting 79

PYMNTS

NOVEMBER 12, 2020

It may be an open road for open banking as, three years after the rollout of the second Payment Services Directive (PSD2), bank-FinTech collaborations and new initiatives unlocking bank account data continue to flourish. FinTech partners include small business credit risk analysis company AccountScore and small business data company Codat.

Banking 88

Banking Treasury Foreign Exchange Risk Analysis 88

CFO Talks

JUNE 7, 2022

Steward Role & Competencies: Accounting, control, risk management and asset preservation are the proficiencies of the Steward. Competencies include: Working knowledge of risk management, budget, and forecasting tools. Investment and credit risk knowledge. Accounting knowledge (IFRS and taxation).

CFO 52

CFO IFRS Leadership Risk Management 52

Spreadym

SEPTEMBER 12, 2023

Create a Revenue Forecast: Estimate your expected income sources, including salaries, sales revenue, investment income, grants, or any other sources of revenue. Account for Savings and Investments: Allocate a portion of your income for savings, investments, or emergency funds.

Budgeting 59

Budgeting Strategic Planning Forecasting Economics 59

Future CFO

MARCH 20, 2023

As a result, companies are spending a lot of their financial resources just running the business and less on investment, product development, geographical expansion, acquisitions, modernisation or debt reduction. Lower growth, higher inflation, the higher cost of financing and more non-payments explain this rise of WCR. Pay me later, maybe.

Credit Risk 52

Credit Risk Transportation Economics Invoicing 52

Future CFO

SEPTEMBER 20, 2023

By 2027, new payment methods (instant payments, e-money, digital wallets, account-to-account, and QR code payments) will make up approximately 30% of total volume, with traditional non-cash payments (checks, direct debits, cards, and credit transfers) dropping to around 70% of global non-cash transaction volumes.

Cash Management 52

Cash Management Treasury Credit Risk Compliance 52

Barry Ritholtz

MARCH 5, 2024

I graduated economics with, with a lot of coursework in accounting and finance. 00:06:01 [Speaker Changed] So you end up as head of global credit and senior managing director at Citadel Investment Group, was that right? So the, the first one that I think about is the investing business itself is an operating business.

Mergers and Acquisitions (M&A) 57

Mergers and Acquisitions (M&A) Credit Risk Investments Banking 57

The Finance Weekly

NOVEMBER 20, 2023

Equipped with precise forecasts and AI-driven insights, leaders in financial planning and analysis (FP&A) can: Base decisions on data Establish achievable financial objectives Adapt resource distribution Assess investment possibilities 4. Additionally, PWC recently invested 1 billion dollars in Generative AI.

Financial Planning and Analysis (FP&A) 52

Financial Planning and Analysis (FP&A) Finance Cash Flow Forecasting Forecasting 52

Future CFO

JULY 8, 2021

The standard approach to determining receivables risk underestimates the risk of customer nonpayment because it fails to account for those who can pay but still won’t, said the advisory firm. The problem with that approach is that it misses the risk of customers who are financially able to pay but still do not,” she noted.

Credit Risk 52

Credit Risk Finance Numbers Investments 52

Spreadym

OCTOBER 3, 2023

FP&A candidates typically have a background in finance, accounting, or a related field and possess a combination of skills and knowledge in financial analysis, modeling, and strategic planning. Experience: FP&A candidates may have prior experience in financial analysis, accounting, or related roles.

Financial Planning and Analysis (FP&A) 59

Financial Planning and Analysis (FP&A) Financial Analysis Budgeting Financial Modeling 59

PYMNTS

FEBRUARY 3, 2020

Executives at Goldman have pointed to the Apple Card as the “most successful credit card launch ever.” Of Goldman’s $7 billion in consumer loans and card balances in 2019, card lending accounted for “a significant portion.” Goldman is transitioning from trading and investment banking to a comprehensive financial services group.

Credit Risk 52

Credit Risk Leverage Banking eCommerce 52

The Finance Weekly

AUGUST 26, 2023

For example, it manages borrower’s credit data and spots early financial signs. This helps lenders proactively tackle credit risks. Also, AI's predictive analysis forecasts borrower defaults and risk levels using data. AI aids loan decisions, assessing individual risk profiles for granting loans and setting rates.

Risk Management 52

Risk Management Profit and Loss Currencies Compliance 52

PYMNTS

DECEMBER 13, 2016

Good for them” argued that it is a good thing that the young are staying away from the “American Dream of owning their own home” as the merits of houses as an investment are low, and the opportunity costs associated with owning one (and thus being rooted to one spot) are quite high. “We

Credit Risk 84

Credit Risk Banking Economics Marketing 84

CFO News Room

JANUARY 21, 2023

Corporate Bonds: No Shortage of Risk Capital In my last post, I chronicled the movement in the equity risk premium, i.e. the price of risk in the equity market, during 2021, but the bond market has its own, and more measurable, price of risk in the form of corporate default spreads.

Treasury 130

Treasury Currencies Numbers Investments 130

PYMNTS

JANUARY 26, 2018

More than $150 million in venture capital bolstered the B2B FinTech market this week, and while investors made big steps into areas like human resources, fleet management and artificial intelligence (AI), it was an old favorite that saw the most, and largest, investment rounds: alternative lending. SMB Accounting. StreetShares.

B2B 54

B2B Invoicing Startups Finance 54

PYMNTS

OCTOBER 12, 2018

Nubank : Gets a $180 million investment from Tencent, which brings Tencent into the Latin American market and also makes Nubank among the most highly valued startups in the region. Wall Street also is raising concerns over credit risk as the firm branches out into consumer-facing installment loans.

Advertising 42

Advertising Credit Risk Startups Budgeting 42

PYMNTS

OCTOBER 4, 2019

India’s FinBox landed an undisclosed amount of pre-Series A funding, reports in Inc42 said this week, with investors at Arali Ventures leading the investment in the credit risk management technology startup. FinBox plans to use the investment on product research and development. Funds and accounts advised by T.

B2B 51

B2B eCommerce Startups Foreign Exchange 51

Future CFO

DECEMBER 18, 2020

James Ponsford: Asia and Singapore, in particular, is a commodities hub with commodity trading business accounting to 4.5% Liquidity is a major issue for the credit markets. The investment that Euler Hermes has made in speaking directly with companies to understand their business has allowed us to make more accurate decisions.

Marketing 52

Marketing Profit and Loss Finance Credit Risk 52

PYMNTS

MARCH 5, 2019

Those receivables, an asset to the business, are only an asset when they become cash in that SMB’s bank account. As much as 24 percent of monthly revenues for SMBs are tied up in accounts receivable or trade credit, which stymies cash flow. trillion within two years, and will account for 13 percent of all U.S.-focused

B2C 63

B2C B2B Concentration Credit Risk 63

PYMNTS

FEBRUARY 7, 2020

Things were a bit more active on the Amazon front, with a big infrastructure investment pushing its market cap back over the $1 trillion line, a new B2B financing partnership with Goldman Sachs potentially in the offing and its expanding stores and services menu. Market Cap Watch: Back to the Trillionaire Club With Logistic Investments.

eCommerce 52

eCommerce Benchmarking Restructuring Credit Risk 52

Corporate Finance Lab

NOVEMBER 8, 2023

Given this hierarchy, banks tend to be more risk-averse when extending credit, particularly to risky growth firms (Rostamkalaei & Freel, 2016). Trade creditors also have the advantage of strong transactional relationships and private information about their customers, reducing their credit risk.

Finance 55

Finance Economics Restructuring Banking 55

Barry Ritholtz

MARCH 12, 2024

Sean Dobson has really had a fascinating career as a real estate investor, starting pretty much at the bottom and working his way up to becoming a investor in a variety of mortgage backed securities, individual homes, commercial real estate, really all aspects of the finding, buying and investing in, in real estate.

Profit and Loss 57

Profit and Loss Investments Marketing Securities 57

PYMNTS

NOVEMBER 19, 2019

The credit cycle will turn, and you’ll have a generation of credit risk managers who’ve not been through a recession yet. Insourcing, for instance, generally allows for more control, but requires more costs and risks. Do FIs want to navigate card programs through that?”. Data Control .

Mergers and Acquisitions (M&A) 56

Mergers and Acquisitions (M&A) Compliance Construction Credit Risk 56

CFO Talks

DECEMBER 8, 2021

Inspired to follow in her father’s footsteps as a CA, Lindelani Gumbo has carved her own path as a regulatory accountant, a career built on a genuine passion for the financial sector and regulatory space. CFO Talks is a brand of the South African Institute of Business Accountants. LINDELANI GUMBO: Good morning, Ciaran.

Auditing 72

Auditing Accounting Banking Risk Management 72

Barry Ritholtz

AUGUST 29, 2023

Greg Davis, Chief Investment Officer at a little shop called the Vanguard Group, which manages $8 trillion. Few people are in a position to see what’s going on in the world of investing, whether it’s institutional or retail, better than Vanguard CIO. GREG DAVIS, CHIEF INVESTMENT OFFICER, VANGUARD GROUP: Thanks, Barry.

Investments 52

Investments Benchmarking Valuation Construction 52

PYMNTS

APRIL 30, 2018

According to a Crunchbase article published in February of 2018, investments in blockchain and blockchain-related startups (excluding initial coin offerings, or ICOs) were already 40 percent of what they were in 2017. And in 2017, those investments were off-the-charts nuts. Consider the money being poured into it.

Banking 73

Banking Investments Concentration Accounting 73

PYMNTS

DECEMBER 23, 2019

That may start with a secured debit card, she said, or a low-limit credit card. The fraudster uses those cards, pays the bills on time, applies for higher credit limits and gets a bank account. On paper, she noted, this customer looks both like a legitimate human being with normal spending habits and like a good credit risk.

Numbers 52

Numbers Securities Credit Risk Accounting 52

PYMNTS

MARCH 2, 2016

Among one of the loudest of these blockchain champions is Ripple, a FinTech firm that has recently secured millions of dollars in investments and strategic partnerships aimed at promoting blockchain technology’s use for traditionally friction-rich areas, like cross-border payments and real-time payments.

Currencies 46

Currencies Treasury Foreign Exchange Compliance 46

Musings on Markets

JANUARY 27, 2022

Corporate Bonds: No Shortage of Risk Capital In my last post, I chronicled the movement in the equity risk premium, i.e. the price of risk in the equity market, during 2021, but the bond market has its own, and more measurable, price of risk in the form of corporate default spreads.

Treasury 84

Treasury Currencies Investments Numbers 84

PYMNTS

MAY 16, 2018

Another new program rolled out last year enabled SoFi users to invest in low-cost exchange traded funds. Assets, according to Noto, are up 31 percent year-on-year, and new accounts are up 39 percent. Noto also trumpeted the firm’s expansion into personal wealth management.

Credit Risk 40

Credit Risk Valuation Leadership Finance 40

PYMNTS

AUGUST 4, 2016

Primarily, Reckon provides small and medium-sized enterprises with cloud accounting solutions, but now, it’s utilizing the data it has about small businesses to its advantage by partnering with alternative lending company Prospa to underwrite loans to its SME users. “This is transforming the credit risk analysis process.

Invoicing 40

Invoicing Finance Risk Analysis Credit Risk 40

Barry Ritholtz

SEPTEMBER 12, 2022

She is Head of North America Investments for Citi Global Wealth, which is a giant wealth management arm of the giant Citibank. It’s a town of about 4,000 people, so exposure to markets or investment banking or any of the careers in finance was not something that you really envisioned. Her name is Kristen Bitterly Michell.

Investments 116

Investments Marketing Profit and Loss Banking 116

Barry Ritholtz

AUGUST 15, 2023

Let’s talk a little bit about your alternative investments career. And so alongside of Wall Street recruiting in my senior year, I interviewed at the Yale Investments Office and was fortunate to get that job and violated the two principles I had at the time, which was I wanted to be in a training program and I wanted to leave New Haven.

Benchmarking 52

Benchmarking Investments Marketing Treasury 52

PYMNTS

DECEMBER 10, 2016

and around the world, massive investments from the biggest names in tech, and a seemingly unending pile of praise for the firm that was going lead the charge to reform — for the better — the battered and bruised consumer credit markets in the post-recession world. The Billion-Dollar IPO. IPO of the year.

GAAP 73

GAAP Compliance Valuation Auditing 73

PYMNTS

OCTOBER 31, 2016

Which isn’t to say they aren’t trying to get them — millennials are applying for credit cards at higher rates than Generation X or baby boomers (35 percent vs. 29 percent vs. 28 percent, respectively). Investments pushed Amazon’s operating margin down to 1.8 Amazon’s $0.52 cents a share in earnings was a big miss on the $0.79

Profit and Loss 43

Profit and Loss Construction Credit Risk Risk Management 43

PYMNTS

DECEMBER 19, 2016

We’ve all read the same stories and heard the same anecdotes: Millennials are saddled with sky-high student debt, aren’t buying cars or houses, don’t have credit cards, aren’t saving money and are job-hopping like there’s no tomorrow. For instance, what does it mean for a millennial to be a good credit risk? Or should it?

Advertising 88

Advertising Credit Risk Retail Banking 88